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Santa Maria city, CA

ZIP 93458 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 93458

Median Home Value
$460,300
Median Rent
$1,674
Affordability Snapshot
$127,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,957/mo PITI).

27%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

22.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 93458 in Santa Maria city, CA, a household would need roughly $127,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,957. That is about 73% above the local median household income ($73,518), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
43.5%-33% vs US avg
x
Vacancy Rate
3.3%-68% vs US avg
x
Broadband Access
90.1%+4% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
28.2%-43% vs US avg
x
Mortgage-Free
32.5%-15% vs US avg
x
$460,300
Home Value
$1,674
Rent
1982
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached57.1%
  • 1-unit attached3.1%
  • 2-9 units20.6%
  • 10+ units12.9%
  • Mobile home & other6.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$460,300
Median rent$1,674
Owner-occupied43.5%
Vacant3.3%
Price-to-income6.3x
Est. income to buy$127,000